Question: What is uninsured/underinsured (UM) automobile insurance coverage, and do I need it?
Answer: Yes, YOU NEED IT! UM coverage is automobile insurance purchased by you from your own insurance agent/company. It protects you and passengers in you vehicle. The UM insurance pays injuries, medical expenses, and lost wages if you are struck by another vehicle that does not have any insurance or enough insurance. UM insurance covers not only your vehicle, but also protects you and your family when injured in another vehicle you are driving or occupying as a passenger.

UM insurance coverage is very economical and is automatic, with coverage equal to your liability limits unless you sign a waiver of UM coverage or select lower limits. UM coverage is very important because of the number of people who have no insurance or only have $10,000 in liability insurance coverage (the minimum allowed by Louisiana Law).

Question: I am a stay-at-home mother who was recently injured in an accident. As a result, I cannot care for my family, nor can I do the things I normally do around the house. I understand that I do not have “lost wages” but can I recover for my inability to perform my “job”?
Answer: Yes. Louisiana law recognizes the impact that your injury has on your life and on the lives of your family. Accordingly, there are legal remedies available to you and your family which enable you to be compensated for the effects that your injury has on your household. For a more detailed discussion of what legal remedies are available to you and your family with respect to the specific facts of your case, you should contact an attorney immediately.

Question: How does Louisiana’s “No Pay, No Play” statue work?
Answer: In Louisianan, the “No Pay, No Play” statue prevents the drivers of motor vehicles who do not have insurance on their vehicles for recovering the first $10,000 of any bodily or property damage claim arising from an automobile accident. The statue does not apply when (a) the driver of the other vehicle is intoxicated; (b) the driver intentionally causes the accident; or (c) the driver is committing a felony offense at the time.

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